When talking about fee, it is alike talking about "rate only" for mortgage. Without info on closing cost, points, type of mortgage (ARM, FIxed....)the rate means nothing. I can show $0 fee for an account and only buying mutual funds. Actually FA gets paid from product side (the mutual fund companies pay them). For same mutual funds (exact same fund with same portfolio manager therefore some "ingredient" of all picked stocks), there are different types such as A/C/I/B/M shares.Different type of shares has different operation expenses and sales charge. Most of investors may not notice that.
If there is no significant change in your family financial goals, most of time the "cookie cutter" will leave your $$ alone for about 1 year after they done allocation. That maybe why you don't see the move. Freq move is not necessary better. I remember someone here suggests buying in Oct and selling in May every year. Unless you are a good trader, if you sell funds within a year, you may get extra 1% charge by fund companies.
